topic Re: Regarding Fidelity American Express CLI Without Hard Pull? in Credit Card Applications

Regarding Fidelity American Express CLI Without Hard Pull?

Anonymous — Fri, 13 Nov 2015 20:17:35 GMT

Anyone had any success with auto CLI? how long did it take?

Any success requesting Credit Line increases Without Hard Pull????

I've had the account with them for over 6 months now and I called today and asked for credit line increase, they transfered me to an analyst and she said they need to do a Hard Pull before they can approve ANY CLI. They originally denied me back in May based on my 3 year old BK, then approved for a $1000 when I called. I asked for a higher credit line at the time but they said to call back in few months. I have been using the card heavily from $700-$1400 per month and making multiple payments. I also use it at costo and every time you use it for gas they hold like $150 of the credit line for 4 days.

I appreciate any feedback!!

Happy Friday!

Re: Regarding Fidelity American Express CLI Without Hard Pull?

FinStar — Sat, 14 Nov 2015 05:50:18 GMT

Sorry OP. Auto CLIs are not very frequent unless you've had the card for a while. Plus, there's no way to get around the HP for a CLI. If you did not receive any type of CLI pre-approval (usually targeted offers) then you'll need to consider whether the HP is worth the CLI.

Re: Regarding Fidelity American Express CLI Without Hard Pull?

Creditaddict — Sat, 14 Nov 2015 16:35:04 GMT

HP TU typically.

Re: Regarding Fidelity American Express CLI Without Hard Pull?

Anonymous — Sat, 14 Nov 2015 22:09:42 GMT

Thank you guys for your feedback!

I guess I just have to wait and let the account age. Do you think someday they'll do an auto CLI??

Anybody received auto CLI on a Fidelity Amex??

Thanks!

Re: Regarding Fidelity American Express CLI Without Hard Pull?

Creditaddict — Sat, 14 Nov 2015 22:23:22 GMT

Requests seem better

Re: Regarding Fidelity American Express CLI Without Hard Pull?

Anonymous — Sat, 14 Nov 2015 22:46:26 GMT

Isn't Fidelity Amex (FIA) Bank of America?

I have the same situation with BOFA Visa. They only gave me 1,000 CL when I have other credit lines from 7K, to 20K. I requested an increase a year after my BOFA Visa was open and They did a hard pull but they declined. I have a BK that was discharged in June 2012 and I included BOFA. I guess that's why I shouldn't waste another hard pull with FIA if it's the same as BofA???!

Re: Regarding Fidelity American Express CLI Without Hard Pull?

FinStar — Mon, 16 Nov 2015 07:01:15 GMT

@Anonymous wrote:
Isn't Fidelity Amex (FIA) Bank of America?

I have the same situation with BOFA Visa. They only gave me 1,000 CL when I have other credit lines from 7K, to 20K. I requested an increase a year after my BOFA Visa was open and They did a hard pull but they declined. I have a BK that was discharged in June 2012 and I included BOFA. I guess that's why I shouldn't waste another hard pull with FIA if it's the same as BofA???!

Yes, they are one in the same as far as the overall parent entity. FIA is part of BOA. However, FIA UW is not as stringent as that of BOA (IMO), but this also depends on your overall profile. IME, CLIs tend to be on the higher end with FIA than BOA by a somewhat of a margin.